Primary output
Funding order
A simple contribution sequence you can actually follow.
Money system builder
Canadian Account Strategy Builder 2026
Build your personal money system across income, goals, liquidity, home buying, and retirement. The wizard translates your inputs into a practical funding order for TFSA, RRSP, and FHSA, then points you to the next tools in the Canadian planning stack.
TFSA / RRSP / FHSA
6-step wizard
Scenario compare
Print-ready plan
Core engine
TFSA, RRSP, and FHSA sequencing
Supporting context
RESP and taxable-investing links through the related guide stack
Workflow
Estimate, compare, save, print, then execute monthly
Decision lens
Money system
The tool balances tax savings, liquidity, and goal timing.
Best use case
Competing goals
Useful when home buying, emergency reserves, and retirement all want the same dollars.
Canadian account context
Built for TFSA, RRSP, FHSA, tax-refund timing, and home-buying tradeoffs specific to Canada.
System-first output
The goal is not one account in isolation. The goal is a funding order you can maintain through real cash-flow pressure.
Educational only
Use it to narrow decisions, then verify room, program rules, and compliance details with official records.
Home buying
FHSA-first path
Often fits first-home buyers who need tax deduction value plus dedicated home-buying intent.
Liquidity
TFSA-stability path
Useful when flexibility and emergency reserves matter more than immediate deductions.
Retirement
RRSP-leverage path
Gets stronger when current marginal tax pressure is high and long-run retirement focus is clear.
Education
RESP context
If children’s education is a major goal, treat RESP as a parallel system layered after core household stability.
Overflow
Taxable-investing context
Once registered room or near-term access constraints are clear, taxable investing becomes easier to position rationally.
Interactive wizard
Build your personal money system
Step 1 of 6
Save, compare, and print
Guest session save mode
TFSA
32.7%
RRSP
33.1%
FHSA
34.2%
| Account | Split | Contrib timeline | Est. tax savings | Home-access est. | Projected value |
|---|---|---|---|---|---|
| TFSA | 32.7% | CAD 23,544.00 | CAD 0.00 | CAD 23,544.00 | CAD 23,544.00 |
| RRSP | 33.1% | CAD 23,832.00 | CAD 7,149.60 | CAD 0.00 | CAD 23,832.00 |
| FHSA | 34.2% | CAD 24,624.00 | CAD 7,387.20 | CAD 24,624.00 | CAD 24,624.00 |
- Home-buying intent is active, so first-home aligned accounts are prioritized before retirement-only positioning.
- Your estimated marginal rate suggests stronger immediate deduction leverage from RRSP/FHSA contributions.
- Your default order currently resolves to: FHSA -> TFSA -> RRSP.
Connected planning stack
Use the strategy builder inside the broader Canadian money system
These pages turn the account order into an actual household workflow across home buying, retirement, and monthly cash-flow management.
Retirement hub
Canadian Retirement Master Guide 2026
Use the flagship retirement hub for CPP, OAS, RRSP, TFSA, and withdrawal-planning context.
Open guideAccount strategy
TFSA vs RRSP vs FHSA Canada 2026
Compare core Canadian account types before changing contribution order.
Open guideMoney system
Canada Money System Master Hub 2026
Connect retirement decisions to taxes, housing, credit, and savings priorities.
Open guideTools hub
Canadian Financial Tools 2026
Open the broader planning stack when retirement decisions affect cash flow or taxes.
Open guideHousing system
Real Estate Wealth System Canada 2026
Connect down payment, mortgage, and long-term net-worth planning in one workflow.
Open guideSavings tool
Down Payment Savings Planner Canada 2026
Model timeline and monthly savings pace for a realistic home purchase plan.
Open guideMortgage
Mortgage Basics Canada
Review approval logic, debt-service constraints, and risk controls before buying.
Open guideHome buying
Buying a Home Canada
Use the full home-buying guide when account and savings decisions connect to lenders.
Open guideBudget tool
50/30/20 Budget Rule Canada 2026
Turn take-home pay estimates into a monthly spending system.
Open guideTracking
Expense Tracker Canada
Use a clean category tracker when you need recurring review instead of one-off estimates.
Open guideDashboard
Financial Command Center
See income, expenses, debt, taxes, and goals in one planning dashboard.
Open guideFamily planning
Family Wealth Planning Canada 2026
Useful when the account strategy must also support child savings, insurance, and household buffers.
Open guide